The short-term insurance landscape has undergone profound transformation over the past quarter-century.

Regulation has tightened, client expectations have shifted, and technology has redefined how brokers, underwriting managers, and insurers operate. For those of us who have built systems through these waves of change, the challenge has always been to ensure that technology continues to serve one constant purpose, enabling better service and stronger relationships between intermediaries and clients.

From heavy clients to cloud agility - Twenty-five years ago, insurance administration systems were installed on individual machines, each dependent on manual updates and internal IT support. The evolution toward cloud-based, software-as-a-service models has completely altered this reality. Today’s administration environment is defined by resilience, scalability, and interoperability.  

An insurer or UMA can now run an entire business through a browser, accessing real-time data securely from anywhere. That shift alone has unlocked enormous operational efficiency and business continuity advantages.

Regulation as a catalyst for change - The regulatory journey has been equally transformative. The introduction of the FSCA’s oversight has professionalised the industry but also placed a heavy administrative burden on brokers and intermediaries.

Systems have therefore had to evolve beyond simple policy processing, they now serve as compliance partners, ensuring that every transaction, communication, and fee structure can be justified and audited. Modern platforms must provide proof of compliance, automatically record advice processes, and safeguard client data in ways that were unthinkable two decades ago.